Vehicle purchasing tools

ABSTRACT

A system for providing a vehicle purchasing tool is disclosed. The system may include one or more memory devices storing software instructions. The system may also include one or more processors configured to execute the software instructions to receive a pre-qualification application, the pre-qualification application including customer-identifying information, access a vehicle inventory associated with a dealership, and identify vehicle information associated with at least one vehicle for sale at the dealership based on the pre-qualification application. The one or more processors may be further configured to execute the instructions to determine a pre-qualified offer based at least on the customer-identifying information and the vehicle information, the pre-qualified offer including a first loan term, and provide the pre-qualified offer and the vehicle information to a client device for display as part of the pre-qualified offer in conjunction with the vehicle information.

This application claims priority under 35 U.S.C. §119 to U.S.Provisional Application No. 62/155,209, filed on Apr. 30, 2015, andentitled “Vehicle Purchasing Tools,” which is expressly incorporatedherein by reference in its entirety.

TECHNICAL FIELD

The disclosed embodiments generally relate to vehicle purchasing tools,and more particularly, to systems and methods for providingpre-qualified vehicle financing offers in association with vehicleinventory listings.

BACKGROUND

Current vehicle purchasing tools provide little in the way ofconvenience for the customer. A potential car-buyer that is financing atleast a part of the purchase must go through separate steps of finding avehicle that they would like to purchase and obtaining the details ofthe financing for which they are eligible. Customers often visit avehicle dealership without knowing the details of potential financingand select a car they wish to purchase, only to find out that theavailable financing terms do not suit their needs. This draws out thecar-buying process and puts customers on-the-spot for either acceptingfinancing terms that they do not prefer or repeating the long process ofattempting to find another vehicle that they would be willing topurchase.

In some instances, a customer may request a financing quote to determinethe structure of a potential financing offer prior to selecting a carfor purchase or visiting a vehicle dealership. This option also hasdrawbacks, however, because the potential financing may not be accurateunless a financial institution officially requests credit historyinformation for the customer and makes a determination regardingpotential financing offers. Such an inquiry will be added to thecustomer's credit history reports and may negatively affect thecustomer's credit scores.

Further, because customers are forced to separately identify the vehiclethey wish to purchase (e.g., at a dealership, dealership website, orthird-party vehicle sales website) and potential financing offers forthe vehicle (e.g., by filling out a loan application online or at adealership after selecting a vehicle), there is a lack of conveniencefor the customer when browsing vehicles to potentially purchase. Whilesome sources may provide a customer with a financing estimate for aselected vehicle, the customer cannot rely on the estimate because theentity that provides the estimate is not bound by the potential termsproposed, and because the estimate itself is unlikely to be accuratewithout the customer filling out a loan application.

Thus, there is a need for more convenient vehicle purchasing tools thatprovide customers with vehicle financing options that can be used inconjunction with selecting a vehicle to purchase, without the risk ofnegatively affecting the customer's credit scores.

SUMMARY

The disclosed embodiments include systems and methods for providingpre-qualified offers that reflect financing offers that may be acceptedby a customer upon presentation in conjunction with vehicle inventorylistings.

In one aspect, the present disclosure is directed to a system forproviding a vehicle purchasing tool. The system may include one or morememory devices storing software instructions. The system may alsoinclude one or more processors configured to execute the softwareinstructions to receive a pre-qualification application, thepre-qualification application including customer-identifyinginformation. The one or more processors may be further configured toexecute the software instructions to access a vehicle inventoryassociated with a dealership and identify vehicle information associatedwith at least one vehicle for sale at the dealership based on thepre-qualification application. The one or more processors may be furtherconfigured to execute the instructions to determine a pre-qualifiedoffer based at least on the customer-identifying information and thevehicle information, the pre-qualified offer including a first loanterm, and provide the pre-qualified offer and the vehicle information toa client device for display as part of the pre-qualified offer inconjunction with the vehicle information.

In another aspect, the present disclosure is directed to a method forproviding a vehicle purchasing tool. The method may include receiving apre-qualification application, the pre-qualification applicationincluding customer-identifying information. The method may furtherinclude accessing a vehicle inventory associated with a dealership andidentifying vehicle information associated with at least one vehicle forsale at the dealership based on the pre-qualification application. Themethod may further include determining a pre-qualified offer based atleast on the customer-identifying information and the vehicleinformation, the pre-qualified offer including a first loan term, andproviding the pre-qualified offer and the vehicle information to aclient device for display as part of the pre-qualified offer inconjunction with the vehicle information.

Consistent with another disclosed embodiment, a tangiblecomputer-readable medium storing instructions for providing a vehiclepurchasing tool is provided. The instructions may be operable to causeone or more processors to perform operations consistent with the methoddescribed above.

It is to be understood that both the foregoing general description andthe following detailed description are exemplary and explanatory onlyand are not restrictive of the disclosed embodiments, as claimed.

BRIEF DESCRIPTION OF THE DRAWINGS

The accompanying drawings, which are incorporated in and constitute apart of this specification, illustrate disclosed embodiments and,together with the description, serve to explain the disclosedembodiments. In the drawings:

FIG. 1 is a block diagram of an exemplary system, consistent withdisclosed embodiments;

FIG. 2 is a block diagram of an exemplary server, consistent withdisclosed embodiments;

FIG. 3 is a flowchart of an exemplary pre-qualified offer applicationprocess, consistent with disclosed embodiments;

FIG. 4 is a flowchart of an exemplary pre-qualification determinationprocess, consistent with disclosed embodiments;

FIG. 5 is an illustration of an exemplary user interface including apre-qualification application, consistent with disclosed embodiments;

FIG. 6 is an illustration of an exemplary user interface includingpre-qualified offers, consistent with disclosed embodiments;

FIG. 7 is a flowchart of a selected-vehicle pre-qualificationdetermination process, consistent with disclosed embodiments;

FIG. 8 is an illustration of exemplary user interface includingpre-qualification offers in conjunction with a vehicle inventorylisting, consistent with disclosed embodiments;

FIG. 9 is a flowchart of an exemplary loan application process,consistent with disclosed embodiments; and

FIG. 10 is a flowchart of an exemplary pre-qualified offer acceptanceprocess, consistent with disclosed embodiments.

DETAILED DESCRIPTION

Reference will now be made in detail to the disclosed embodiments,examples of which are illustrated in the accompanying drawings. Whereverconvenient, the same reference numbers will be used throughout thedrawings to refer to the same or like parts.

The disclosed embodiments include systems and methods for providingvehicle purchasing tools for finding and financing a vehicle. Forexample, disclosed embodiments pertain to vehicle financing offers, aswell as informational tools easily and efficiently obtain anyinformation that may be helpful in making decisions regarding thepurchase.

In some aspects, the disclosed embodiments include systems and methodsfor determining whether a customer is pre-qualified for financing and,if so, determining one or more pre-qualified offers to provide to thecustomer. The pre-qualified offers may represent improved systemprocessing techniques that provide several advantages to the partiesinvolved in the purchase of a vehicle. For example, improved systemprocessing techniques may allow pre-qualified offers in such a way thatminimizes or eliminates a risk that the customer's credit scores will benegatively affected by credit inquiries regarding the financing, whilealso presenting and maintaining the pre-qualified offer as a bindingoffer on which the customer can rely. In this way, the pre-qualifiedoffers may be employed as purchasing tools for narrowing a search for avehicle to purchase, including narrowing the selection of on-salevehicles to buy (e.g., based on the parameters of a pre-qualifiedoffer).

In some aspects, the disclosed embodiments pertain to a comprehensivevehicle buying tool that provides the ability to view and searchvehicles for sale, in conjunction with financing information. Forexample, exemplary disclosed systems may include technical features thatprovide user interfaces that include vehicle information related to thevehicles for sale, in addition to pre-qualified loan offers that relateto specific vehicles and are binding offers that the customer may relyon to purchase a selected vehicle from the listed vehicles.

While the disclosed embodiments are described in relation to systems andmethod for purchasing vehicles, it should be understood that certainfeatures of the disclosed embodiments may be equally applicable to otherfields of use. For example, the disclosed embodiments may apply to toolsfor purchasing other products and/or items for sale. For example,disclosed systems and methods may be adapted to provide customers withtools for receiving pre-qualified mortgage offers in relation to housesor other property for sale and for using those offers to select a houseor other property to buy. Further, it should be understood that thedisclosed embodiments are not limited to the purchase of vehicles ofother products, and may related to other transactions, such as a vehiclelease. Indeed, one of ordinary skill in the art will understand thatdisclosed embodiments are not limited to any particular industry orpurchasing mechanism.

Disclosed embodiments may be implemented in various environments. Suchenvironments and related applications may be specifically constructedfor performing the various processes and operations of the disclosedembodiments and may include one or more specialized apparatuses orsystems configured to execute software programs that perform processesconsistent with the disclosed embodiments. The apparatus(es) orsystem(s) may be specifically constructed with hardware and/or softwarecomponents that provide the functionality and advantages of thedisclosed embodiments.

The disclosed embodiments also relate to tangible and non-transitorycomputer readable media that include program instructions or programcode that, when executed by one or more processors, perform one or morecomputer-implemented operations. The program instructions or programcode may include specially designed and constructed instructions or codefor achieving one or more aspects of the disclosed embodiments.

FIG. 1 shows an exemplary system 100 that may be configured to performone or more software processes that, when executed, provide one or moreaspects of the disclosed embodiments. The components and arrangementshown in FIG. 1 is not intended to be limiting to the disclosedembodiment as the components used to implement the processes andfeatures disclosed here may vary.

In accordance with certain disclosed embodiments, system 100 may includea financial service provider 105, a financial service system 110, aclient device 120, one or more credit systems 130, one or moredealership systems 140, and a network 150. Other components known to oneof ordinary skill in the art may be included in system 100 to process,transmit, provide, and/or receive information consistent with thedisclosed embodiments.

Financial service provider 105 may be one or more entities thatconfigure, offer, provide, and/or manage financial service accounts,such as credit card accounts, debit card accounts, checking or savingsaccounts, loyalty accounts, and/or loan accounts. In one aspect,financial service provider 105 may include or be associated withfinancial service system 110, which may be configured to perform one ormore aspects of the disclosed embodiments. In some embodiments,financial service system 110 may be configured with technical featuresthat allow financial service system 110 to process information in amanner that provides the advantages of the disclosed embodiments.

Financial service system 110 may be one or more systems associated withone or more entities, such as financial service provider 105, thatconfigures, offers, provides, and/or manages financial service accounts,such as credit card accounts, debit card accounts, checking or savingsaccounts, and loan accounts. Consistent with the disclosure, financialservice system 110 may provide a loan account for financing a purchaseof one or more users (i.e., customers). In some embodiments, the loanaccount may be a vehicle loan account.

Financial service system 110 may be configured to provide one or moreloan application tools. For example, the loan application tool may allowfinancial service system 110 to provide a loan application, receive acompleted loan application, assess the income, creditworthiness, risk,etc. associated with a customer (through communication with creditsystem(s) 130, for example), identify one or more financing offers basedon those assessments, and provide (via, e.g., an API) those financingoffers to another component of system 100, such as client device 120 ora dealership system 140. In an exemplary embodiment, the loanapplication tools may include a pre-qualification tool that allows auser to submit a pre-qualification application and financial servicesystem 110 to determine one or more pre-qualified offers based on theinformation in the pre-qualification application and/or other availableinformation.

In some embodiments, financial service system 110 may also includevehicle inventory information. For example, financial service system 110may maintain a list of vehicles and information associated with thosevehicles. For instance, financial service system 110 may store aninventory list associated with an automobile dealership, the inventorylist including a list of specific vehicles that the automobiledealership possesses for sale, and information associated with eachvehicle (e.g., vehicle make, model, year, mileage, features, retailprice, estimated value, expected depreciation, etc.). In someembodiments, the list of vehicles may include any vehicle for sale,whether or not the vehicle is associated with an automobile dealership.For example, used vehicles for sale by the owner of the vehicle may beincluded. Financial service system 110 may monitor automobile dealershipinventory turnover and other vehicle listing and purchasing activity andupdate the list accordingly, such as to maintain an up-to-date list ofvehicles.

In some embodiments, financial service system 110 may include componentsor features that allow for the integration of vehicle purchasing toolswith the listing of vehicles. For example, financial service system 110may be configured to integrate third-party information and services withthe listing of vehicles, such as user reviews of vehicles and/or autodealerships, vehicle history reports (e.g., CarFax® reports), estimatedvehicle values (e.g., Kelley Blue Book™ values), tools associated withtrade-in vehicles (e.g., value calculators, third-party purchasers, forsale listing services, etc.), and the like.

Financial service system 110 may include one or more components thatperform processes consistent with the disclosed embodiments. Forexample, financial service system 110 may include one or more computers(e.g., servers, database systems, etc.) configured to execute softwareinstructions programmed to perform aspects of the disclosed embodiments,such as generating financial service accounts, maintaining accounts,processing financing requests and/or any other information relating toaccounts, etc. For example, financial service system 110 may beconfigured to execute stored software instructions to perform processesrelated to determining and providing pre-qualified offers, generatingand providing interactive user interfaces that include pre-qualifiedoffers and/or for sale vehicle listings, and processing financingagreements associated with accepted offers.

Consistent with disclosed embodiments, financial service system 110 mayinclude other components and infrastructure that enable it to performoperations, processes, and services consistent with disclosedembodiments. In addition, financial service system 110 may be configuredto communicate with other components of system 100 in order to provideone or more of the features described herein.

Client device 120 may be one or more computing devices that areconfigured to execute software instructions for performing one or moreoperations consistent with the disclosed embodiments. Client device 120may be a desktop computer, a laptop, a server, a mobile device (e.g.,tablet, smart phone, etc.), embedded system, dedicated hardware system,etc. Client device 120 may include interface hardware (e.g., a displaydevice) included in, or connected to, client device 120 for displayinguser interfaces generated by and/or received from a component of system100.

Client device 120 may include one or more processors configured toexecute software instructions stored in memory, such as memory includedin client device 120. Client device 120 may include software that whenexecuted by one or more processors performs known Internet-relatedcommunications and content display processes. For instance, clientdevice 120 may execute browser software that generates and displays userinterfaces including content on interface hardware included in, orconnected to, client device 120.

In some embodiments, client device 120 may be a mobile device thatstores and executes mobile applications (“apps”) that provide financialservice related functions offered by financial service provider 105,such as a mobile banking app for controlling, configuring, and viewinginformation relating to financial accounts, etc., and/or a vehiclefinancing app that provides one or more of the vehicle purchasing toolsdisclosed herein.

Credit system(s) 130 may be one or more computer systems associated witha third-party credit reporting entity. For example, credit system(s) 130may be individually associated with existing credit bureaus (e.g., TransUnion®, Experian®, Equifax® that maintain credit information (e.g.,credit reports, credit scores, etc.) in association with individuals(e.g., information identifying particular individuals).

Credit system(s) 130 may include one or more computing systems that areconfigured to perform computer-implemented processes, such as a server,desktop computer, laptop, mobile device with computing ability, etc. Inan exemplary embodiment, credit system(s) 130 may be configured toprovide information and/or services related to the assessment of riskand/or creditworthiness of prospective vehicle purchase customers. Forexample, credit system(s) 130 may be configured to receive credit reportinquiries, identify requested credit information, and provide creditreport information to another component of system 100 (e.g., financialservice system 110).

In some embodiments, credit system(s) 130 may be configured todifferentiate between a “soft” credit inquiry and a “hard” creditinquiry. For example, credit system(s) 130 may be configured todetermine that a credit inquiry is for pre-qualification purposes, andthus, is a “soft” credit inquiry. Similarly, credit system(s) 130 may beconfigured to determine that a credit inquiry is related to anapplication for a binding financing agreement, and thus, is a “hard”credit inquiry. For the purposes of this disclosure, a “soft” creditinquiry may be a credit inquiry that is not added to an associatedindividual's credit history, is not considered when calculating anindividual's credit scores, and/or otherwise does not of itselfsubstantively affect an individual's risk profile and/orcreditworthiness. A “hard” credit inquiry may be a credit inquiry thatcould have an effect on an individual's credit reports, credit scores,risk profile, creditworthiness, etc.

Dealership system(s) 140 may be respectively associated with one or moreentities associated with the selling of a vehicle. For example, adealership system 140 may be associated with an automobile dealership.In other embodiments, dealership system(s) 140 may be a non-automobiledealership otherwise associated with the financing of a vehicle purchase(e.g., a third-party sales broker, auction entity, individual seller,etc.).

Dealership system(s) 140 may be one or more computer systems that areconfigured to perform computer-implemented processes. For example,dealership system(s) 140 may include a server, desktop computer, laptop,mobile device with computing ability (e.g., smart phone, tablet, etc.),or any combination of these computers and/or affiliated components. Inone embodiment, a dealership system 140 may be a computing device thatis operated by an employee of an automobile dealership to provide,assess, and/or modify financing options for a customer or prospectivecustomer. In an exemplary embodiment, dealership system(s) 140 may beconfigured to provide information and/or services related to the vehiclepurchase agreement and/or accepted financing offer. For example,dealership system(s) may be configured to provide loan applications tofinancial service system 110 and complete vehicle purchase transactions.

Network 150 may be any type of network that facilitates communicationsand data transfer between components of system 100, such as, forexample, financial service system 110, client device 120, creditsystem(s) 130, and dealership system(s) 140. Network 150 may be a LocalArea Network (LAN), a Wide Area Network (WAN), such as the Internet, andmay be a single network or a combination of networks. Further, network150 may reflect a single type of network or a combination of differenttypes of networks, such as the Internet and public exchange networks forwireline and/or wireless communications. Network 150 may utilize cloudcomputing technologies that are familiar in the marketplace. Network 150is not limited to the above examples and system 100 may implement anytype of network that allows the entities (shown and not shown) includedin FIG. 1 to exchange data and information.

Although FIG. 1 depicts a certain number of entities andprocessing/computing components within system 100, any number orcombination of components may be implemented without departing from thescope of the disclosed embodiments. For example, financial servicesystem 110 may interact with users described as associated with clientdevice 120 through other components of system 100, such as a dealershipsystem 140. Additionally, it should be understood that the components ofsystem 100 are not mutually exclusive. For example, in one disclosedembodiment, financial service system 110 and credit system 130 may beassociated with the same entity or partnered with one another. Theentities as described are not limited to their discrete descriptionsabove. Further, where different components of system 100 are combined(e.g., financial service system 110 and credit system 130, etc.), thecomputing and processing devices and software executed by thesecomponents may be integrated into a local or distributed system.

FIG. 2 depicts a server 200, consistent with disclosed embodiments. Inan exemplary embodiment, financial service system 110 may include server200. It should be understood, however, that although server 200 may bedepicted and described herein as a component of financial service system110 for ease of discussion, a server 200 or variations thereof may beused alternatively or additionally by client device 120, creditsystem(s) 130, dealership system(s) 140 and/or other components ofsystem 100 (shown and not shown) to perform processes consistent withdisclosed embodiments.

In one embodiment, server 200 may include one or more processors 210,one or more input/output (I/O) devices 220, and one or more memories230. According to some embodiments, server 200 may comprise webserver(s) or similar computing devices that generate, maintain, andprovide web site(s) consistent with disclosed embodiments. Server 200may be standalone, or it may be part of a subsystem, which may be partof a larger system. For example, server 200 may represent distributedservers that are remotely located and communicate over a network (e.g.,network 150) or a dedicated network, such as a LAN.

Processor 210 may include one or more known processing devices, such asa microprocessor from the Pentium™ or Xeon™ family manufactured byIntel™, the Turion™ family manufactured by AMD™, or any of variousprocessors manufactured by Sun Microsystems. The disclosed embodimentsare not limited to any type of processor(s) configured in server 200.

I/O devices 220 may be one or more devices configured to allow data tobe received and/or transmitted by server 200. I/O devices 220 mayinclude one or more user I/O devices and/or components, such as thoseassociated with a keyboard, mouse, touchscreen, display, etc. I/Odevices 220 may also include one or more digital and/or analogcommunication devices that allow server 200 to communicate with othermachines and devices, such as other components of system 100. I/Odevices 220 may also include interface hardware configured to receiveinput information and/or display or otherwise provide outputinformation. For example, I/O devices 220 may include a monitorconfigured to display a user interface.

Memory 230 may include one or more storage devices configured to storeinstructions used by processor 210 to perform functions related todisclosed embodiments. For example, memory 230 may be configured withone or more software instructions associated with programs and/or data.Memory 230 may include a single program that performs the functions ofthe server 200, or multiple programs. Additionally, processor 210 mayexecute one or more programs located remotely from server 200. Forexample, financial service system 110, device 120, credit system(s) 130,and/or dealership system(s) 140, may, via server 200, access one or moreremote programs that, when executed, perform functions related todisclosed embodiments. Memory 230 may also store data that may reflectany type of information in any format that the system may use to performoperations consistent with the disclosed embodiments.

Server 200 may also be communicatively connected to one or moredatabase(s) 240. For example, server 200 may be communicativelyconnected to database(s) 240 through network 150. Database 240 mayinclude one or more memory devices that store information and areaccessed and/or managed through server 200. By way of example,database(s) 240 may include Oracle™ databases, Sybase™ databases, orother relational databases or non-relational databases, such as Hadoopsequence files, HBase, or Cassandra. The databases or other files mayinclude, for example, data and information related to the source anddestination of a network request, the data contained in the request,etc. Systems and methods of disclosed embodiments, however, are notlimited to separate databases. In one aspect, server 200 may includedatabase 240. Alternatively, database 240 may be located remotely fromthe server 200. Database 240 may include computing components (e.g.,database management system, database server, etc.) configured to receiveand process requests for data stored in memory devices of database(s)240 and to provide data from database 240.

FIG. 3 is a flowchart of an exemplary pre-qualified offer applicationprocess 300, consistent with disclosed embodiments. In one embodiment,financial service system 110 may perform one or more of the steps ofprocess 300 to provide a pre-qualified offer tool to client device 120.Through the pre-qualified offer tool, financial service system 110 mayprovide client device 120 with one or more pre-qualified offers for thefinancing of a vehicle purchase.

In step 310, financial service system 110 may receive apre-qualification request. Financial service system 110 may receive thepre-qualification request from client device 110. The pre-qualificationapplication request may include any information that initiates apre-qualification process. In one example, financial service system 110may provide an advertisement or notice to client device 120, whichclient device 120 may display (e.g., via a web browser, mobile app,etc.). The advertisement or notice may describe the pre-qualificationprocess. Client device 120 may receive input (e.g., from a user)indicating that the user wants to initiate the pre-qualificationprocess. Client device 120 may create a corresponding pre-qualificationrequest and send the request to financial service system 110.

In step 320, financial service system 110 may provide apre-qualification application. For example, financial service system 110may provide a pre-qualification application to client device 120. Clientdevice 120 may display the pre-qualification application using interfacehardware. The pre-qualification may include, for example, a fillableform with one or more prompts for requested information. The requestedinformation may include information identifying a customer that isseeking pre-qualification. For example, the requested information mayinclude at least customer name and address, and may also include otheridentifying information, such as social security number, driver'slicense number, phone number, etc. In some embodiments, the requestedinformation may include information identifying a financial account heldby the customer and maintained by, for example, financial serviceprovider 105. For example, the requested information may include anaccount number, card number, pin number, etc., which may allow financialservice system 110 to identify a corresponding financial account anddetermine customer-identifying information (e.g., based on informationassociated with the corresponding financial account).

In step 330, financial service system 110 may receive a completedpre-qualification application. Financial service system 110 may receivethe completed pre-qualification application from client device 120. Inone example, the customer may provide input to client device 120, theinput including the requested information. In other words, the customermay fill out the pre-qualification application using client device 120.Client device 120 may send the completed pre-qualification applicationto financial service system 110.

In step 340, financial service system 110 may determine one or morepre-qualified offers. Financial service system 110 may determine the oneor more pre-qualified offers based on the requested information from thecompleted pre-qualification application. In one example, the one or morepre-qualification offers may include at least a structure of a loanoffer for the customer to finance a purchase of a vehicle. For example,a pre-qualification offer may include a maximum amount for the loan(e.g., up to $25,000, up to $40,000, etc.) and an interest rate or rangeof interest rates for the loan (e.g., 3.00-4.00% APR, 3.25-3.75%, etc.).In other examples, a pre-qualification offer may include additionaldetails regarding the loan offer (e.g., length of loan term, monthlypayments, minimum down payment amount, trade-in value, etc.). Financialservice system 110 may use a credit policy and pricing program todetermine the pre-qualified offer(s). For example, financial servicesystem 110 may use credit information and one or more risk assessmenttools to determine acceptable terms of a loan for the customer.

In an exemplary embodiment, a pre-qualified offer may be an offer for aloan that reflects the willingness of financial service provider 105 toprovide the loan, should the terms of the pre-qualified offer beaccepted by the customer. Consistent with disclosed embodiments,however, the loan offer may be pre-qualified in that the customer hasnot actually applied for a loan and has only inquired into such a loan.In this way, the customer's inquiry will not negatively affect thecustomer's credit history reports and scores. Credit reporting practicesare typically such that applications for a binding loan agreement can beadded to credit reports and considered in credit scores, while inquiriesfor pre-qualification are not. In order to allow the customer to rely onthe pre-qualified offer, however, financial service system 110 may beconfigured to honor the terms of the pre-qualified offer should thecustomer accept the terms and submit a completed loan application.

In step 350, financial service system 110 may provide the determinedpre-qualified offer. For example, financial service system 110 mayprovide the determined pre-qualified offer to client device 120. Clientdevice 120 may display the pre-qualified offer using interface hardware.A customer may review the pre-qualified offer (and any otherpre-qualified offers) and use the information in the process ofselecting a vehicle to purchase. For example, the customer may use theterms of the pre-qualified offer as a guide for selecting a vehiclewithin a price-range of the offer. In this way, the customer can selecta vehicle and negotiate a price for the purchase of the vehicle, withprior knowledge of the financing terms that are available.

It should be understood that, in some instances, financial servicesystem 110 may determine that the customer is not eligible for anypre-qualified offers. In these situations, financial service system 110may provide information to client device 120 indicating that thecustomer is not approved for a pre-qualified offer.

FIG. 4 is a flowchart of an exemplary pre-qualification determinationprocess 400, consistent with disclosed embodiments. In some embodiments,financial service system 110 may perform one or more of the steps ofprocess 400 to determine or otherwise generate pre-approved offersassociated with a submitted a pre-qualification application. In thisway, process 400 may correspond to an exemplary embodiment of step 340of process 300.

In certain aspects, process 400 may include steps that allow financialservice system 110 to assess the risk, creditworthiness, etc. of acustomer and make a loan offer based thereon, while maintaining thecredit history status of a pre-qualification inquiry. In this way,financial service system 110 can apprise a customer of particularparameters of a potential loan that the customer could accept, withoutrisking damage to the customer's credit history.

In step 410, financial service system 110 may receivecustomer-identifying information. For example, financial service system110 may analyze a completed pre-qualification application forinformation that allows financial service system 110 to identify acustomer seeking pre-qualification. For example, financial servicesystem 110 may select information from the completed pre-qualificationapplication that identifies the customer, such as name, address, socialsecurity number, driver's license number, phone number, account number,care number, pin number, etc. In some instances, financial servicesystem 110 may use this information or a subset of this information todetermine additional customer-identifying information.

In step 420, financial service system 110 may send a “soft” request tocredit system(s) 130. For example, financial service system 110 maytransmit customer-identifying information to one or more creditsystem(s) 130 as part of a “soft” inquiry for credit history information(e.g., credit reports and/or credit scores). In an exemplary embodiment,the request may include information identifying the request as a “soft”inquiry. For example, the request may include, in addition to thecustomer identifying information, a unique code (e.g., a subscriber codeunique to financial service provider 105 and/or the customer) thatindicates that the request is part of a “soft” inquiry and is not afinal loan application. The unique code may indicate that the request ispart of a pre-qualification process, and thus, is not to have an effecton the customer's credit history.

In step 430, financial service system 110 may receive credit report(s)from credit system(s) 130. Financial service system 110 may receive thecredit report(s) in response to the request sent to the credit system(s)130 in step 420. The received credit reports may include any and allcredit information that is stored by credit system(s) 130 and which mayallow financial service system 110 to assess the risk andcreditworthiness of the customer. That is, the credit reports mayinclude all of the information that would be provided in response to afinal loan application, even though the request sent to credit system(s)140 was a “soft” request. In this way, financial service system 110 canrely on the information in the credit reports to the same degree as ifit were credit report information provided in response to a final loanapplication.

In step 440, financial service system 110 may determine one or morepre-qualified offers based on the credit report(s). For example,financial service system 110 may use a credit policy and pricing programto assess the risk and/or creditworthiness of the customer, anddetermine the structure of a loan for which the customer is approved.For instance, financial service system 110 may determine a loan amountup to which the customer is qualified to receive, as well as an interestrate, or range of interest rates that would be associated with paybackof the loan.

In some instances, financial service system 110 may determine more thanone pre-qualified offers for which the customer is approved. Forexample, financial service system 110 may determine ranges of loanamounts and interest rates, or ranges of interest rates, that would beassociated with loans that fall within each particular loan amountrange.

In some embodiments, financial service system 110 may determine apre-qualified offer in relation to one or more vehicles that thecustomer is considering purchasing. For example, financial servicesystem 110 may use information related to the vehicles (e.g., vehicleretail sales prices) to determine a loan amount and interest rate forthe pre-qualified offers for the purchase of those particular vehicles.For instance, financial service system 110 may receive informationrelated to a first vehicle and information related to a second vehicle,in addition to receiving the customer-identifying information in step410. Financial service provider system 110 may set a retail sales priceof each of the vehicles to be the loan amount for a pre-qualified offer,and determine other parameters of the loan (e.g., interest rate, downpayment, etc.), that would be necessary for the loan to be approved byfinancial service provider 105. In this way, the customer can directlycompare financing for vehicles that they are considering purchasing.

In step 450, financial service system 110 may store the one or morepre-qualified offers. Financial service system 110 may store thepre-qualified offer(s) in a memory device in a manner associating thepre-qualified offer(s) with the customer to which the pre-qualifiedoffer(s) apply. In some embodiments, financial service system 110 maystore only a selected pre-qualified offer (e.g., a pre-qualified offerthat was selected by the customer). Financial service system 110 may beconfigured to recall the pre-qualified offer at a later time, such aswhen the customer decides to accept the pre-qualified offer in order toreceive financing for a vehicle purchase, as will be described in moredetail below.

Through exemplary processes 300 and 400, financial service system 110may determine one or more loan offers for a customer that representoffers that the customer can accept in order to receive financing forthe purchase of a vehicle. In addition, the loan offers may bedetermined and provided as pre-qualified offers such that only a “soft”inquiry may need to be sent to credit system(s) 130. But because the“soft” inquiry results in financial service system 110 receiving enoughinformation to satisfactorily assess the risk and creditworthiness ofthe customer, financial service provider 105 can commit to honoring thepre-qualified offers, should one or more of them be accepted by acustomer.

Further, a customer may use the pre-qualified offers as a tool in theprocess of selecting a vehicle to purchase. For example, a customer canuse a pre-qualified offer to determine a budget for the purchase of avehicle, and select potential vehicles that fall within the budget. Inanother example, financial service system 110 may provide multiplepre-qualified offers, which may further allow the customer to considerthe parameters of a loan that they would accept. In some instances,financial service system 110 may provide pre-qualified offers inrelation to for sale vehicles, thus allowing the customer to understandthe financing that is available for specific vehicles that they areconsidering purchasing, and use that information to select which vehicleto purchase.

Client device 120 may operate in conjunction with financial servicesystem 110 in order to provide information to the customer and allow thecustomer to provide information to financial service system. Forexample, client device 120 may include interface hardware that displaysuser interfaces generated based on information from financial servicesystem 110, allowing the customer to operate client device 120 toprovide input that may be sent to financial service system 110.

FIG. 5 is an illustration of an exemplary user interface 500 thatincludes a pre-qualification application form, consistent with disclosedembodiments. Financial service system 110 may provide information thatallows client device 120 to generate or otherwise display user interface500. User interface 500 may include a plurality of fields 510. Fields510 may be prompts for information from the customer. For example,fields 510 may include prompts for customer-identifying information,such as name, address, etc. Fields 510 may include prompts for otherinformation, such as requested parameters of a loan, such as loanamount, interest rate, down payment, trade-in value, etc. In someinstances, fields 510 may include prompts for information related to avehicle that the customer is considering purchasing, which may includevehicle information (e.g., VIN number) and/or may include vehiclecharacteristics (e.g., vehicle make, model, year, mileage, color,features, etc.). The customer may operate client device 120 to provideinput to answer one or more of the prompts, which client device 120 maytransmit to financial service system 110. For example, user interface500 may include a submit feature 520 that, when selected by thecustomer, causes client device 120 to transmit the input information tofinancial service system 110.

FIG. 6 is an illustration of an exemplary user interface 600 thatincludes one or more pre-qualified offers, consistent with disclosedembodiments. Client device 120 may display user interface 600 inresponse to financial service system 110 sending the pre-qualifiedoffers to client device 120 (e.g., after determining the pre-qualifiedoffers based on information input based on user interface 500).

In an exemplary embodiment, User interface 600 may include a pluralityof pre-qualified offers 610. Each pre-qualified offer 610 may includeassociated loan terms 620. As shown in FIG. 6, the loan terms may bedifferent such that the customer can consider different options forfinancing a vehicle purchase. In some embodiments, user interface 600may further include options 630 for allowing a customer to provide inputin relation to one or more of the pre-qualified offers. For example, thecustomer may choose to modify a pre-qualified offer by providing aprecise loan amount and/or vehicle sales price, such that additionalterms of a loan may be determined (e.g., exact interest rate, downpayment, etc.). In another example, the customer may choose to selectone of the pre-qualified offers. For example, the customer may provideinput to client device 120 to select a pre-qualified loan offer thatthey have chosen to accept. Client device 120 may transmit informationindicative of the customer input to financial service system 110, suchas to allow the customer to itemize and edit details and terms of apotential loan, and/or to indicate to financial service system 110 thata pre-qualified offer should be stored as potential loan terms that thecustomer may decide to accept.

As described herein, some disclosed embodiments may include financialservice system 110 storing and/or accessing a listing of vehicles forsale in conjunction with providing pre-qualified offers. For example,financial service system 110 may maintain inventory listings for one ormore automobile dealerships, including updated listings of vehicles forsale, along with details of those vehicles including retail sales pricesand any other information associated with those vehicles. In this way,financial service system 110 may use the information related to vehiclesin determining one or more pre-qualified offers, and may also providethe information to client device 120 in order to inform the customer ofthe vehicles that are for sale.

FIG. 7 is a flowchart of an exemplary selected-vehicle pre-qualificationprocess 700, consistent with disclosed embodiments. In some embodiments,financial service system 110 may perform the steps of process 700 toprovide one or more pre-qualified offers to client device 120 inconjunction with one or more vehicles for sale. In some embodiments,client device 120 may provide a selection of one or more vehicles to beconsidered in conjunction with a pre-qualification determination. Inother embodiments, financial service system 110 may select the vehicles(e.g., based on other information provided by client device 120).

In step 710, financial service system 110 may collect dealershipinventory. For example, financial service system 110 may communicatewith one or more dealership system(s) 140 to maintain an updated list ofvehicles for sale at one or more dealerships. Financial service system110 may collect the vehicle inventory information, which may includeinformation identifying the vehicles for sale (e.g., VIN, inventorynumber, make, model, year, etc.), and information identifying a value ofthe vehicle (e.g., retail sales price, discount price, estimated value,etc.).

In step 720, financial service system 110 may provide the dealershipinventory. For example, financial service system 110 may provide thedealership inventory to client device 120. Client device 120 may displaythe dealership inventory through a user interface that the customer mayview to view and search vehicles for sale. In some instances, the userinterface may include information describing the vehicles, as well asother features and services, such as user reviews of vehicles and/orauto dealerships, vehicle history reports (e.g., CarFax® reports),estimated vehicle values (e.g., Kelley Blue Book™ values), toolsassociated with trade-in vehicles (e.g., value calculators, third-partypurchasers, for sale listing services, etc.), and the like.

In step 730, financial service system 110 may receive apre-qualification application. For example, client device 120 may send acompleted pre-qualification application to financial service system 110.In an exemplary embodiment, the pre-qualification application mayinclude customer-identifying information that allows financial servicesystem 110 to determine one or more pre-qualified offers, as describedin relation to processes 300 and 400. In addition, in some embodiments,the pre-qualification application may include a selection of one or morevehicles for sale that were provided to client device 120 as part of avehicle inventory listing.

In step 740, financial service system 110 may determine one or morepre-qualified offers for selected vehicle(s). For example, financialservice system 110 may perform one or more steps of process 400 toassess the risk and creditworthiness of a customer, but may also use avalue of a selected vehicle in determining a pre-qualified offer that isspecific to that vehicle. For instance, financial service system 110 mayset a retail sales price of a vehicle to be a loan amount, and determineother details and terms of a pre-qualified offer for that vehicle basedon the loan amount and the assessed risk and creditworthiness of thecustomer. In some embodiments, financial service system 110 maydetermine pre-qualified offers for a plurality of selected vehicles.

In step 750, financial service system 110 may provide the pre-qualifiedoffer(s). For example, financial service system 110 may provide thepre-qualified offers to client device 120. Client device 120 maygenerate one or more user interfaces to display the pre-qualifiedoffers.

It should be understood that one or more of the steps of process 700 maybe omitted and/or rearranged depending on the manner in which vehiclesare selected for use in conjunction with determining one or morepre-qualified offers. For example, in some instances, apre-qualification application may be received prior to providing adealership inventory to client device 120. Financial service system 110thereafter may select vehicles for inclusion in the pre-qualified offerdeterminations based on other available information, such as informationincluded in the pre-qualification application (e.g., desired vehiclesales price, vehicle characteristics, etc.). In another embodiment,financial service system 110 may automatically determine pre-qualifiedoffers for all vehicles in a vehicle inventory and/or on demand asvehicle information is sent to client device 120. In general, it shouldbe understood that financial service system 110 may determine apre-qualified offer that pertains specifically to one or more for salevehicles, and that information may be sent to client device 120 fordisplay of the vehicle information and pre-qualified offer informationin conjunction with each other.

FIG. 8 is an illustration of an exemplary user interface 800 includingdealership inventory vehicle information and pre-qualified offerinformation, consistent with disclosed embodiments. Client device 120may generate and/or display user interface 800 using interface hardwarebased on information provided by financial service system 110.

In one embodiment, user interface 800 may include a dealership inventorylisting 810. The dealership inventory listing 810 may include a listingof vehicle entries 820, which may represent vehicles for sale. In anexemplary embodiment, each entry 820 may include vehicle details,pre-qualified offer details, and options for the customer to providefurther input regarding one or more of the entries 820.

Vehicle details may include information identifying characteristics ofthe associated vehicle, such as make, model, year, mileage, features,etc. Vehicle details may also include information such as sales price,estimated value, seller information, etc.

Pre-qualified offer details may include information identifying one ormore parameters of a pre-qualified offer associated with thecorresponding vehicle. For example, pre-qualified offer details mayinclude one or more of a loan amount, interest rate or range of interestrates, down payment, trade-in value, length of loan term, monthlypayments, etc. The pre-qualified offer details may pertain to thecorresponding vehicle in that the pre-qualified offer may be accepted bythe customer and used to purchase that vehicle.

Input options may include options for a customer to modify the terms ofa pre-qualified offer. For example, the customer may provide anegotiated price of the vehicle (which may be different than the retailsales price), a down payment amount, trade-in value amount, etc. Inputoptions may additionally or alternatively include an option for a userto select a listed vehicle. This option may allow a user to mark aparticular vehicle as a potential offer that the customer may accept,may indicate that the customer is accepting the offer, and/or may allowa customer to complete additional steps toward the purchase of thevehicle (e.g., provide additional information, complete a purchase,complete a financing agreement, etc.).

Client device 120 may receive input information and send the informationto financial service system 110 for further processing. For example,financial service system 110 may determine a revised pre-qualified offerbased on additional information received through the “modify” inputoption. In another example, financial service system may store aselected vehicle and pre-qualified offer, such as for use in allowingthe customer to accept the offer.

Further, it should be understood that other input options may beprovided for allowing a customer to provide input and otherwise interactwith user interface 800. For example, user interface 800 may includefilter and search options for allowing the customer to refine a vehiclesearch. In another example, user interface 800 may include third-partyservice options, such as user reviews of vehicles and/or autodealerships, vehicle history reports (e.g., CarFax® reports), estimatedvehicle values (e.g., Kelley Blue Book™ values), tools associated withtrade-in vehicles (e.g., value calculators, third-party purchasers, forsale listing services, etc.), and the like.

Through exemplary processes 300, 400, and 700, and user interfaces suchas exemplary user interfaces 500, 600, and 800, financial serviceprovider system 110 may provide client device 120 with one or morepre-qualified offers that are binding offers a customer may rely on tofinance the purchase of a vehicle. These processes and user interfacesmay be configured in a manner that provides a comprehensive vehiclepurchasing tool that allows the customer to view vehicles for sale andfinancing options in one place. The disclosed embodiments provide acustomer with efficient access to pertinent information that helps thecustomer through the otherwise complicated and tedious process ofselecting a vehicle to purchase. Once a vehicle is selected, additionalprocesses may be performed in order to allow the customer to receiveselected financing and actually purchase the vehicle.

FIG. 9 is a flowchart of an exemplary loan application process 900.Financial service system 110 may perform one or more steps of process900 to enable a customer to accept a pre-qualified offer and complete aloan agreement to receive the associated financing.

In some instances, process 900 may occur in the context of a customeragreeing to the purchase of a vehicle with a dealership at a dealershiplocation and a dealership employee operating a dealership system 140 tocompete the financing process. In other instances, process 900 may occurin the context of a customer completing the financing process usingclient device 120.

In step 910, financial service system 110 may receive a loanapplication. For example, financial service system 110 may receive aloan application from dealership system 140. The loan application may bea typical application for financing that may be submitted for thepurpose of applying for financing. For instance, the loan applicationmay be a loan application that a customer would fill out and adealership system 140 would send to financial service system 110 todetermine whether the customer is approved for financing and, if so, theterms or range of terms for the financing. In process 900, however, theloan application may indicate that the customer is accepting apre-qualified offer and is seeking to complete the financing process.

In step 920, financial service system 110 may match the received loanapplication to a stored pre-qualified offer. For example, the loanapplication may include an identifier that matches an identifier storedin association with one or more pre-qualified offers that werepreviously determined in relation to the customer. Financial servicesystem 110 may additionally or alternatively match customer-identifyinginformation and/or vehicle identifying information in the loanapplication to information stored as a pre-qualified offer. In this way,financial service system 110 may identify a pre-qualified offer,previously provided to client device 120, that is now being accepted bythe customer.

In step 930, financial service system 110 may determine loan offerdetails. For example, financial service system 110 may recall the termsof the pre-qualified offer for use as terms of the loan. In addition,financial service system 110 may determine additional terms of the loan.For example, financial service system 110 may determine loan terms basedon new information that was not previously provided. For instance,financial service system may select an interest rate from a range ofpreviously-provided interest rates, based on a final amount of the loan.In order to honor the pre-qualified offer, at least one of the terms ofthe loan offer may match all of the corresponding terms of thepre-qualified offer.

In step 940, financial service system 110 may provide the loan offer.For example, financial service system 110 may provide the loan offer todealership system 140. The loan offer may represent a final loan offerthat may be accepted by the customer. But because the loan offer honorsthe corresponding pre-qualified offer, the loan offer may substantivelyallow the customer to officially accept the pre-qualified loan offer.

In step 950, financial service system 110 may complete the loanapplication process. For example, financial service system 110 mayreceive an indication that the customer accepts the loan offer (e.g.,from dealership system 140). Financial service system 110 may thereafterperform conventional processes to provide the agreed-upon financing tothe customer and thereby allow the customer to complete a vehiclepurchase transaction.

FIG. 10 is a flowchart of an exemplary pre-qualified offer acceptanceprocess 1000, consistent with disclosed embodiments. In certain aspects,process 1000 may correspond to step 930 of process 900. For example,financial service system 110 may perform process 900 to determine finaldetails of a loan offer that may be accepted by a customer to causefinancial service system 110 to complete the financing process.

In step 1010, financial service system 110 may receive loan applicationinformation. For example, financial service system 110 may identifyinformation from a loan application received in step 910 of process 900.The loan application information may include any and all informationtypically included in a conventional loan application. For example, theloan application information may include customer-identifyinginformation and vehicle-identifying information.

In step 1020, financial service system 110 may submit a “hard” requestto credit system(s) 130. The “hard” request may be a “hard” inquiry forcredit history information, such as might become reflected in creditreports and credit scores. Thus, the “hard” inquiry may be aconventional loan application inquiry, in that it may affect thecustomer's credit history. The credit system(s) 130 may receive therequest and identify the credit report information associated with thecustomer.

In step 1030, financial service system 110 may receive credit report(s)from credit system(s) 130. Financial service system 110 may receive thecredit report(s) in response to the request sent to the credit system(s)130 in step 1020. The received credit reports may include any and allcredit information that is stored by credit system(s) 130 and/or thatmay allow financial service system 110 to assess the risk andcreditworthiness of the customer.

In step 1040, financial service system 110 may determine a loanapplication offer based on the received credit report(s). For example,financial service system 110 may use a credit policy and pricing programto determine the terms of a potential loan offer associated with thereceived loan application.

In step 1050, financial service system 110 may override the terms of thepotential loan offer with the terms an associated pre-qualified offer.For example, financial service system 110 may replace any differingterms of the potential loan offer with corresponding terms of thepre-qualified offer, if there are any differing terms.

Through exemplary processes 900 and 1000, financial service system 110may follow typical protocol to allow a customer to apply for a loanthrough existing channels. In addition, these exemplary processes allowfinancial service provider 105 to honor the terms of a pre-qualifiedoffer, thus allowing the customer to rely on the pre-qualified offerduring the process of selecting a vehicle to purchase.

As discussed above, it should be understood that the disclosedembodiments may be applied to different types of sales. Any financialservice institution that provides loan accounts to customers may employsystems, methods, and articles of manufacture consistent with certainprinciples related to the disclosed embodiments. In addition, any buyeror seller of any articles of manufacture may also employ systems,methods, and articles of manufacture consistent with certain disclosedembodiments.

Computer programs based on the written description and methods of thisspecification are within the skill of a software developer. The variousprograms or program modules can be created using a variety ofprogramming techniques. For example, program sections or program modulescan be designed in or by means of Java, C, C++, assembly language, orany such programming languages. One or more of such software sections ormodules can be integrated into a computer system, computer-readablemedia, or existing communications software.

Moreover, while illustrative embodiments have been described herein, thescope includes any and all embodiments having equivalent elements,modifications, omissions, combinations (e.g., of aspects across variousembodiments), adaptations or alterations based on the presentdisclosure. The elements in the claims are to be interpreted broadlybased on the language employed in the claims and not limited to examplesdescribed in the present specification or during the prosecution of theapplication, which examples are to be construed as non-exclusive.Further, the steps of the disclosed methods can be modified in anymanner, including by reordering steps or inserting or deleting steps. Itis intended, therefore, that the specification and examples beconsidered as example only, with a true scope and spirit being indicatedby the following claims and their full scope of equivalents.

What is claimed is:
 1. A system for providing a vehicle purchasing tool,the system comprising: one or more memory devices storing softwareinstructions; and one or more processors configured to execute thesoftware instructions to: receive a pre-qualification application, thepre-qualification application including customer-identifyinginformation; access a vehicle inventory associated with a dealership;identify vehicle information associated with at least one vehicle forsale at the dealership based on the pre-qualification application;determine a pre-qualified offer based at least on thecustomer-identifying information and the vehicle information, thepre-qualified offer including a first loan term; and provide thepre-qualified offer and the vehicle information to a client device fordisplay as part of the pre-qualified offer in conjunction with thevehicle information.
 2. The system of claim 1, wherein the one or moreprocessors are further configured to: transmit, to the client device, anadvertisement inviting a user of the client device to submit apre-qualification application; wherein the received pre-qualificationapplication is received from the client device.
 3. The system of claim1, wherein the one or more processors are further configured to:transmit the customer-identifying information to a third-party system;and receive, from the third-party system, information related to a levelof risk associated with the customer-identifying information; whereindetermining the pre-qualified offer is based at least in part on thereceived information related to the level of risk.
 4. The system ofclaim 3, wherein transmitting the customer-identifying information tothe third-party system includes transmitting a request for riskinformation associated with the customer-identifying information,wherein the request includes an indication that the request is part of apre-qualification process.
 5. The system of claim 1, wherein identifyingvehicle information includes receiving an indication of one or morevehicles a customer associated with the customer-identifying informationis considering purchasing.
 6. The system of claim 1, wherein the one ormore processors are further configured to: receive a loan applicationfrom a dealership system; match the loan application to thepre-qualified offer; determine a loan offer based at least oninformation in the loan application, the loan offer including a secondloan term; replace the second loan term with the first loan term inmodified loan offer; and provide the modified loan offer to thedealership system.
 7. The system of claim 1, wherein the one or moreprocessors are further configured to: receive a request from the clientdevice to modify the first loan term; determine a modified pre-qualifiedoffer based at least on the pre-qualified offer and the modified firstloan term; and provide the modified pre-qualified offer to the clientdevice.
 8. A method for providing a vehicle purchasing tool, the methodcomprising the following steps performed by one or more hardwareprocessors: receiving a pre-qualification application, thepre-qualification application including customer-identifyinginformation; accessing a vehicle inventory associated with a dealership;identifying vehicle information associated with at least one vehicle forsale at the dealership based on the pre-qualification application;determining a pre-qualified offer based at least on thecustomer-identifying information and the vehicle information, thepre-qualified offer including a first loan term; and providing thepre-qualified offer and the vehicle information to a client device fordisplay as part of the pre-qualified offer in conjunction with thevehicle information.
 9. The method of claim 8, further comprising:transmitting, to the client device, an advertisement inviting a user ofthe client device to submit a pre-qualification application; wherein thereceived pre-qualification application is received from the clientdevice.
 10. The method of claim 8, further comprising: transmitting thecustomer-identifying information to a third-party system; and receiving,from the third-party system, information related to a level of riskassociated with the customer-identifying information; whereindetermining the pre-qualified offer is based at least in part on thereceived information related to the level of risk.
 11. The method ofclaim 10, wherein transmitting the customer-identifying information tothe third-party system includes transmitting a request for riskinformation associated with the customer-identifying information,wherein the request includes an indication that the request is part of apre-qualification process.
 12. The method of claim 8, whereinidentifying vehicle information includes receiving an indication of oneor more vehicles a customer associated with the customer-identifyinginformation is considering purchasing.
 13. The method of claim 8,further comprising: receiving a loan application from a dealershipsystem; matching the loan application to the pre-qualified offer;determining a loan offer based at least on information in the loanapplication, the loan offer including a second loan term; replacing thesecond loan term with the first loan term in modified loan offer; andproviding the modified loan offer to the dealership system.
 14. Themethod of claim 8, further comprising: receiving a request from theclient device to modify the first loan term; determining a modifiedpre-qualified offer based at least on the pre-qualified offer and themodified first loan term; and providing the modified pre-qualified offerto the client device.
 15. A non-transitory computer readable mediumstoring instructions that, when executed by one or more hardwareprocessors, configures the one or more hardware processors to performoperations comprising: receiving a pre-qualification application, thepre-qualification application including customer-identifyinginformation; accessing a vehicle inventory associated with a dealership;identifying vehicle information associated with at least one vehicle forsale at the dealership based on the pre-qualification application;determining a pre-qualified offer based at least on thecustomer-identifying information and the vehicle information, thepre-qualified offer including a first loan term; and providing thepre-qualified offer and the vehicle information to a client device fordisplay as part of the pre-qualified offer in conjunction with thevehicle information.
 16. The non-transitory computer readable medium ofclaim 15, the operations further comprising: transmitting thecustomer-identifying information to a third-party system; and receiving,from the third-party system, information related to a level of riskassociated with the customer-identifying information; whereindetermining the pre-qualified offer is based at least in part on thereceived information related to the level of risk.
 17. Thenon-transitory computer readable medium of claim 16, whereintransmitting the customer-identifying information to the third-partysystem includes transmitting a request for risk information associatedwith the customer-identifying information, wherein the request includesan indication that the request is part of a pre-qualification process.18. The non-transitory computer readable medium of claim 15, whereinidentifying vehicle information includes receiving an indication of oneor more vehicles a customer associated with the customer-identifyinginformation is considering purchasing.
 19. The non-transitory computerreadable medium of claim 15, the operations further comprising:receiving a loan application from a dealership system; matching the loanapplication to the pre-qualified offer; determining a loan offer basedat least on information in the loan application, the loan offerincluding a second loan term; replacing the second loan term with thefirst loan term in modified loan offer; and providing the modified loanoffer to the dealership system.
 20. The non-transitory computer readablemedium of claim 15, the operations further comprising: receiving arequest from the client device to modify the first loan term;determining a modified pre-qualified offer based at least on thepre-qualified offer and the modified first loan term; and providing themodified pre-qualified offer to the client device.